Understanding State Minimums

Hey there, Texas drivers! You might think that meeting the state’s minimum auto insurance requirements is all you need. But here’s the deal: those minimums might leave you with more out-of-pocket expenses than you’d expect. Let’s break it down.

The Limitations of Minimum Coverage

Imagine you’re cruising along and suddenly find yourself in a fender-bender that’s not your fault. With medical bills soaring and repair costs on the rise, the state’s minimum liability limits of $30,000 per person and $25,000 for property damage might not cover everything. You could end up footing the bill for the difference!

What About Uninsured or Underinsured Drivers?

Here’s a fact: about 1 in 5 drivers in Texas are uninsured. If you’re unlucky enough to tangle with one of them, minimum coverage won’t cut it unless you have uninsured or underinsured motorist protection. This coverage can be a lifesaver, covering those unexpected expenses when the other driver can’t.

Choosing Peace of Mind

For a little extra each month, consider bumping up your liability limits and adding comprehensive and collision coverage. These additions protect you from theft, bad weather, and other surprises. In the long run, a few extra dollars can mean a world of difference.

Wrap-Up

So, why gamble with just the basics? Opt for more robust coverage to keep your finances safe and enjoy some peace of mind. Chat with us at Brenda Heulitt Agency to tailor a policy that suits your needs, and let’s hit the road with confidence!